Captive Insurance Advisory
Strategic guidance on captive insurance formation, feasibility studies, and domicile selection for organizations seeking greater control over their risk financing.
Captive Structures We Advise On
From single-parent captives to rent-a-captive arrangements, we guide you to the structure that best fits your risk profile and strategic objectives.
Single-Parent Captives
A wholly-owned subsidiary established to insure the risks of its parent company. Ideal for large organizations with sufficient premium volume to justify a standalone entity.
- Full ownership and control
- Maximum profit retention
- Customized coverage terms
- Direct access to reinsurance
Group / Association Captives
A shared captive owned by multiple organizations, typically within the same industry. Members pool resources to achieve economies of scale and broader risk diversification.
- Shared capitalization costs
- Industry-specific expertise
- Risk pooling benefits
- Lower entry barriers
Protected Cell Companies (PCC)
A single legal entity with segregated cells, each with its own assets and liabilities. Provides captive benefits without the need to establish a separate legal entity.
- Asset segregation by cell
- Reduced setup costs
- Faster time to market
- Regulatory efficiency
Rent-a-Captive Arrangements
Access to captive insurance benefits through an existing facility without forming a new entity. An ideal entry point for organizations exploring alternative risk transfer.
- No entity formation required
- Lower capital commitment
- Operational simplicity
- Scalable to full captive
Key Benefits of Captive Insurance
A well-structured captive delivers significant financial, operational, and strategic advantages for organizations with the right risk profile.
Cost Control
Eliminate market cycles and reduce long-term insurance costs by retaining underwriting profit and investment income within your organization.
Coverage Customization
Design bespoke policies that address unique and hard-to-place risks not adequately covered by the conventional insurance market.
Profit Retention
Underwriting profits and investment income remain within the captive, building reserves and reducing the total cost of risk over time.
Improved Risk Management
A captive incentivizes proactive loss prevention and claims management, fostering a stronger risk culture across the organization.
Industries We Serve
We advise organizations across diverse sectors on establishing and managing captive insurance programs tailored to their industry-specific risks.
Construction & Engineering
- General contractors
- EPC companies
- Civil engineering firms
- Specialty trades
Agriculture & Agribusiness
- Plantation operators
- Food processors
- Agricultural cooperatives
- Commodity traders
Energy & Mining
- Oil & gas operators
- Mining companies
- Renewable energy
- Power generation
Manufacturing
- Heavy industry
- Consumer goods
- Automotive suppliers
- Chemical producers
Domicile Selection Expertise
Choosing the right domicile is one of the most critical decisions in captive formation. We evaluate regulatory environments, tax implications, capitalization requirements, and proximity to your operations to recommend the optimal jurisdiction.
Low capital requirements, favorable tax regime, proximity to Asian markets
Strong regulatory framework, financial hub, excellent infrastructure
Gateway to Middle East and Africa, common law jurisdiction, zero tax
Premier captive domicile, mature regulatory environment, deep expertise
Tax-neutral, flexible regulation, largest captive domicile by number
Our Advisory Process
Frequently Asked Questions
Common questions about captive insurance formation and management.
What is the minimum capital required to set up a captive?
Minimum capital requirements vary by domicile. Labuan requires as little as $150,000 for a general insurance captive, while Bermuda typically requires $120,000 or more depending on the class of license. We help you select the domicile that aligns with your capitalization capacity and risk profile.
How long does it take to set up a captive insurance company?
The typical timeline from feasibility study to licensing is 4 to 6 months, depending on the domicile and complexity of the program. This includes the feasibility study (6-8 weeks), application preparation (4-6 weeks), and regulatory review and approval (4-8 weeks).
When does a captive insurance program make sense?
A captive generally makes sense when your organization pays more than $500,000 annually in insurance premiums, has a strong loss history and risk management culture, faces difficulty obtaining coverage in the conventional market, or seeks greater control over claims handling and coverage terms.
What are the ongoing regulatory requirements for a captive?
Captives must comply with domicile-specific regulations including annual financial audits, actuarial reserve certifications, statutory filings, and board meeting requirements. We provide ongoing compliance advisory to ensure your captive maintains good standing with regulators.
Explore Whether a Captive Is Right for You
Schedule a consultation to discuss your organization's risk profile and captive insurance potential. We provide independent, conflict-free advisory services.